More info needed.. Will this be your primary residence? Will you be living in it more than 1/2 the time? Are you looking to purchase an investment or 2nd (vacation) home? Again, more info needed.. but in general, the only way you can purchase an out of state home is to buy it as either a 2nd home or investment property.. some lenders will only allow 2nd homes and investments property loans to borrowers who already own a home.. but much more info would be needed to analyze your specific scenario before we can answer your question.. for this reason I suggest you contact a LOCAL mortgage broker and apply with them. Once they see your complete loan profile, they will be better equipped to advise you properly. Also, by applying with your LOCAL Broker, you have an advantage because he's familiar with local customs and works with many lenders with each one offering a different type of lending program. This is unlike the local bank which typically only has a few lending programs. The more lenders, the more lending options, and the more likely your scenario will be accepted.. Plus, the broker is experienced in seeking out the best loan terms for your particular scenario, and he has lower overhead which typically results in lower rates and fees than most of the larger lenders.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com NMLS# 226347